I would certainly say there's no stipulated group or priority groups. It's funny—we're dealing with one of the banks on a project right now, and the irony of it all is that the kids of their wealthy clients get virtually no financial education. They get no discipline on distinguishing between needs and wants. It's basically, “I do what I want”, and when they get out on their own, they're in debt. They're lost. They haven't had any guidance.
There are definitely those who need it more than others, certainly in the aboriginal community. Newcomers have to learn about a new system. I think all of us are involved in activities to try to address those things at the community level. There are priority needs. One might be inclined to think, “Oh, these groups need it and not so much these groups.”
It is something that's quite universal. The imperative might be different among certain targeted groups, but I wouldn't exclude anybody from needing this. We were surprised that even kids of the wealthiest families have no clue about a lot of this. That's why you get this intergenerational thing where one guy sets it up, the next generation builds it, and the third generation destroys it. The same thing can happen with money. You might know what you're doing, the next one doesn't know so much, and the next one really gets into trouble. I wouldn't want to carve it out and say...but there are certainly areas of priority, for sure.